. >> even though private insurance companies are selling plans on the obamacare exchanges. doctors are ambivant as to whether they'll take the insurance. 44% of physicians plan on sitting out the first year. 33% are not sure if they'll participate. nationwide four in 10 physicians are still weighing their options. >> lower payments to first irnings, experts say is one way of making plan affordable. for patients that have insurance to pay doctors higher rates. they carry higher out of pocket costs, creating hurdles for the physicians. >> many insurance companies tell us they won't advice us of the deductible ahead of time so the doctor can't collect the deductible in advance. that means the doctor has to wait for the insurance company determination, has to bill the patient and hopes that the patients can pay us. >> that hope may not make financial sense when the drive to lower health care costs is putting pressure on the bottom line. >> the art world is converging on miami beach for an exhibit expected to attract 50,000. >> the snow is helping to put miami on the map as a gl